15 Franklin St, Oneonta, NY 13820 Property Records

Otsego County and Oneonta City property record for 15 Franklin St, Oneonta, NY 13820 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,880 sqft · built 1920
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$132,000 (Sep 2002)
Tax Bill	$5,308 (2025)
Deeds & Mortgages	May 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`361200 300.5-2-37`

Property Details

APN / Parcel Number

Primary APN	`361200 300.5-2-37`
Alternative APNs	`120030000500020370000000` `3911 1432`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,880 sqft Living Area
1st Floor Area	1,004 sqft
2nd Floor Area	876 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	124 ft deep x 54.1 ft wide
Porch	Porch
Porch Area	494 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3911 1432
Street Address	15 FRANKLIN ST
City	ONEONTA
State	NY
Zip	13820-1733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0301950 0895680
Legal Block	2
Legal Lot Number	37.000
Jurisdiction	OTSEGO NY
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2023
Census Tract	591100

Owner

Source: Otsego County and Oneonta City records · APN 361200 300.5-2-37

Assessment roll updated April 30, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	15 FRANKLIN ST, ONEONTA, NY 13820-1733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 24, 2002 · Amount on Record
Deed Sale	Sep 24, 2002 · Amount on Record
Prior Sale	Aug 24, 2000 · Amount on Record
Deed Book / Page	981 / 213
Record Updated	Jun 08, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO NY
Property Address	15 FRANKLIN ST, ONEONTA, NY 13820-1733
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000641
Date	May 01, 2024
Instrument	2024-1641

Lender

Name	SIDNEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2054

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Otsego County and Oneonta City records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Otsego County
Municipality	Oneonta City
Unified School District	Oneonta City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,308.00	$159,000 (-) Land $16,900 Building $142,100	$223,944 (+14.08%) Land $23,803 Building $200,141
2023		$159,000 Land $16,900 Building $142,100	$196,296 Land $20,864 Building $175,432

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Otsego County (36077C), updated March 20, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.